Hard money loans
Hard money loans for investment property — fast, asset-based, no tax returns.
Short-term financing underwritten on the property and your track record, not your W-2. Fix and flip, bridge, ground-up construction and multifamily bridge, $115k to $8M, typically closing in 7–15 days. Send the deal once and our lenders bring their best terms. Credit below 620? There is a no-minimum-credit option too.
Hard money programs we place
| Program | Max leverage | Min FICO | Loan size | Term | Close |
|---|---|---|---|---|---|
| Fix & flip | 90% LTC · 75% ARV | 620 | $115k–$8M | 12–18 mo | 7–15 days |
| Bridge | 75% LTV | 620 | $115k–$8M | 12–18 mo | 7–15 days |
| Ground-up construction | 80% LTC · 65% ARV | 650 | $300k–$8M | 12–24 mo | 7–15 days |
| Multifamily & mixed-use bridge | 75% LTC · 65% ARV | 670 | $300k–$8M | 12–18 mo | 2–4 weeks |
| 24-month interest-only | 75% LTV | 675 | $75k–$2M | 24 mo | — |
What a hard money loan is
Short-term debt secured by investment real estate and sized mainly on the property — its purchase price, renovation budget and after-repair value — plus your experience. Credit matters, but there is no debt-to-income calculation and no tax returns.
You pay for speed and flexibility with a higher rate than long-term debt, so the plan is always to exit: sell the property, or refinance into a DSCR rental loan.
Your experience sets the tier
Lenders price on recent, documented deals. Three or more completed in the last 36 months unlocks the best terms. First-time investors are financed too — up to 80% of cost on a flip with a 650 credit score.
Every hard money loan we place
- Business purpose, made to an LLC
- Non-owner-occupied investment property
- Full appraisal required
- No rural properties; lot up to 2 acres
- SFR, 2–4 unit, condo, townhome, 5+ multifamily and mixed-use
- No upfront fees from us, ever
Hard money loan questions
How fast can a hard money loan close?
Typically 7 to 15 days from a complete file for 1–4 unit property, and 2 to 4 weeks for multifamily. The day-by-day closing timeline shows what to send to keep it fast.
What credit score do I need for a hard money loan?
620 for experienced investors on fix and flip and bridge loans, 650 for new investors and ground-up construction, and 670 for multifamily bridge. Below 620, a 30-year fixed loan with no minimum credit score goes to 50% of value.
Are you a hard money lender?
No. Easy Lending USA is a referral platform. We take your deal, with a complete file, to our private lending partners; they bring their best terms and you choose. We are paid by the lender when the loan closes; you never pay us an upfront fee.
Can I get a hard money loan on my home?
No. We only place business-purpose loans on non-owner-occupied investment property.
Easy Lending USA is not a lender, a bank, or a mortgage broker. We introduce real estate investors to independent private lenders, who make every credit decision.
Run the numbers first. The free hard money loan calculator shows your loan amount, cash to close, monthly interest and the all-in cost, including Dutch interest and extensions. Holding more than one term sheet? Put them side by side in the loan comparison calculator.